​Terms and Conditions

​​The promotion is reserved for individuals with K-Payroll Benefit accounts who are first-time investors of K-MONEY through the K-Saving Plan (new clients of K-Saving Plan) within the year 2016. Clients must maintain their possession of K-Payroll Benefit accounts until 30 December 2016 to be eligible for the campaign

The bank evaluates the privileges by calculating the client’s net investment capital in K-MONEY through the K-Saving Plan up to 30 December 2016 (privileges are evaluated since the first day of the client’s K-Payroll Benefit account during the year 2016.) For example, a client invested 2,000 baht per month in K-MONEY through the K-Saving Plan during the period of January-December 2016. The client invested additional cash into K-MONEY during October and sold the fund in November. The total amount of capital considered for this client’s promotional privileges as of 30 December 2016 are calculated as shown in the table. The investment capital considered for promotional privileges shall not exceed the total amount invested in K-MONEY through the K-Saving Plan

The bank will transfer 0.2% Cash Back of the net investment capital in K-MONEY eligible for privileges to the clients within 25 January 2017. The total amount of Cash Back will be transferred into the client’s savings account that was linked with K-MONEY (K-Payroll Benefit)

The promotion is reserved for one individual per account (the payroll bank account must have only one owner). The client’s K-Payroll Benefit account will be debited to pay for investments made through the K-Saving Plan

The bank reserves the right to amend terms and conditions without prior notice

Investors receiving privileges from this promotion may not obtain additional benefits from other promotional campaigns during the same period of time

In the case of a dispute, the bank’s decision shall be considered as final

Investors are recommended to study the financial products, remuneration terms, and risks before investing in K-MONEY, bonds and deposits. The volatility of interest rates may affect the short-term value of investment.

This offer is valid only to KBank payroll customers who sign up for SMS Alert service with an annual payment plan within promotion period.

KBank payroll customer who signs up for SMS Alert service at KBank branch, customer shall pay the 199 Baht annual fee upon signing up. Customer shall get this offer later on.

After the free usage period ends, the 199 annual fee shall be debited from customer’s deposit account or when it is possible to do so.

KBank reserves the right to change the terms and conditions of SMS Alert as KBank deems appropriate. In addition, KBank may terminate the service, either in whole or in part, or with any individual user, with prior notice of not less than 30 days in advance.

In case customers terminate the service prior to the end of the paid-up term, KBank reserves the right to not return any portion of the paid fee.

Privileges of K-Personal Loan for Owners of KBank Payroll Accounts

Ready-to-use cash to fulfill every spending plan.

Special Interest Rates: A Minimum All-Year Rate of 17%, with principal and interest amount reductions

Minimum Salary of 15,000 baht

The credit limit shall not exceed 5 times the salary level and will not be greater than 1.5 million baht

Credit Limit

Interest Rate (Per Annum)*

Payment Period (Months)

Credit Limit of 240,001 baht and above

17%

12, 18, 24, 36, 48, 60

Credit Limit of 80,000 – 240,000 baht

21%

12, 18, 24, 36, 48, 60

From 20,001 – 80,000 baht

25%

12, 18, 24, 36, 48, 60

From 10,000 – 20,000 baht

25%

12, 18, 24

*In the case of a credit limit less than or equal to 20,000 baht, clients must select 12, 18, or 24 payment periods (months).

No collateral or guarantors required

Clients that held KBank payroll accounts for at least 7 consecutive months are exempted from presenting income statements

Remarks:

Payments of the principal and the interest are based on the regulations of K-Personal Loan for Payroll

The bank will assess its database and debit from the client’s account on the date in which the client receives a monthly salary. In the case where the bank does not operate on the regular monthly debiting date, the bank shall debit the client’s account on its last operating day. The fee for terminating the loan before the agreement period within 24 months is 1% - credit limit. The interest penalty for defaults and early loan payoffs shall not exceed 28%

This loan is reserved for employees of companies/organizations with K-Payroll

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K-Auto Finance Privileges

Enjoy 0.20% interest reduction per annum when purchasing a new vehicle.

Special privileges reserved for owners of K-Payroll who purchase new vehicles through
K-Auto Finance.

Terms and Conditions

The privileges are only applicable for new vehicles. The reduction only applies to the interest rate on the loan application date

Remove the coupon from the K-Payroll Benefits Booklet and present to the staff on the contract signing day to receive interest rate reduction from Kasikorn Leasing

The company reserves the right to amend terms and conditions without prior notice

K-CAR to CASH Privileges

Remove the coupon from the K-Payroll Benefits Booklet and present to the staff on
K-CAR to CASH application day.

Terms and Conditions

Reserved for owners of K-Payroll Benefits

The applicant must be the lawful owner of the vehicle for at least 6 months. The applicant must be no more than 55 years of age

The applicant must have a minimum salary of 10,000 baht (provincial areas) or 15,000 baht (Bangkok and Bangkok Metropolitan Region). The applicant must hold the current job position for at least 1 year

The vehicle must be in normal condition and no more than 10 years of age

The applicant must not have any bad debt records in the National Credit Bureau. The total amount of debt held by the applicant - both in the National Credit Bureau and from K-CAR to CASH – must not exceed 60% of the applicant’s income

Other terms and conditions will be based on regulations of Kasikorn Leasing​​

*Conditions for K-Express Cash Card Instant Loan ​30 Days Interest Free Promotion ​ 1. Eligibility: New customers who have regular income or KBank Payroll customers, who apply for K-Express Cash Card August 1 through ​ December 31, 2017 with application approved by January 31, 2018​.​

2. Customers who applied for K-Express Cash Card prior to the first day of the promotion, or cancelled the service less than six months prior to the first day of the promotion, or customers under the K-Express Cash - K-Home Loan bundling program, Saving for Future Benefit, K-SME Express Cash Card, or other program offering special interest rates are ineligible for this promotion.

3. Participants eligible under items 1 and 2 are entitled to the following special offers upon loan approval.

3.1 0% interest Rate for the first 30 days is offered to customers who apply and are approved for K-Express Cash Card and Cash Day 1 with at least 50 percent of approved loan amount deposited to their KBank savings account, and who apply and are approved for Auto Payment to make payments for K-Express Cash Card or K-Express Cash for Payroll (as the case may be). Following the initial 30-day interest-free period, normal interest rates per approved loan amount shall apply.

3.2 50-percent interest discount for 30 days is offered to customers who apply and are approved for K-Express Cash Card and Cash Day 1 with at least 50 percent of approved loan amount deposited to their KBank savings account. Following the initial 30-day reduced-interest period, normal rates per approved loan amount shall apply.

4. KBank reserves the right to cancel the special offers listed under item 3 without prior notice if customer defaults on a loan payment or makes a payment of less than the minimum amount due noted in the statement. In such cases, KBank will assess normal interest per the approved loan amount.

5. Those who do not meet the criteria in item 1 are ineligible for this program and shall be subject to normal interest rates per approved loan amount.

6. Other conditions per KBank regulations apply.

7. KBank reserves the right to alter promotion offers, details, and terms and conditions without prior notice. Loan approval and other considerations are subject to established KBank criteria. In case of dispute, KBank decisions are final.

Frequently Asked Questions

The program provides benefits reserved for clients with KBank Payroll accounts. These include financial, lifestyle, and special event privileges.

How do I know if my payroll saving account is eligible for K-Payroll Benefits?

Eligible accounts receive monthly salaries through the KBank Payroll system registered by their employers. Clients may contact their employers’ Human Resource Department for additional information.

Where can I apply for this service? What are documents required for the application?

Simply bring the account’s savings deposit passbook to any branch of KBank nationwide and inform the staffs of the intention to apply for the service.

Upon maturity of the 3-month fixed deposit, will I get an extra interest rate?

Clients wishing to continue their deposits upon maturity must present their savings deposit passbooks to request for the extra interest rate of 0.25% per annum at the bank. The bank shall evaluate the clients’ payroll statuses before granting the extra interest rate.

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How large a credit limit can be extended for K-Express Cash for Payroll? What are documents required for the application?

The credit limit can be extended by up to 5 times the client’s income. The client shall present a signed and validated copy of the ID card to the bank. Clients that held KBank payroll accounts for at least 7​ consecutive months are exempted from presenting statement of earnings.